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Investor Presentaiton

Non-GAAP Reconciliation Tables $ in thousands, except per share data 4Q21 1Q22 2Q22 3Q22 4Q22 Return on Assets to return on assets- pre-tax pre-provision Return on assets GAAP 0.96 % 0.78 % 1.08 % 1.32 % 1.33 % Income tax expense 0.26 0.20 0.32 0.37 0.41 (Release of) provision for credit losses (0.01) 0.39 0.09 0.25 0.33 Return on assets - pre-tax, pre-provision 1.21 1.37 1.49 1.94 2.07 Merger-related and other charges 0.19 0.15 0.11 0.03 0.02 Return on assets - pre-tax, pre-provision, excluding merger-related and other charges 1.40 % 1.52 % 1.60 % 1.97 % 2.09 % Efficiency Ratio Efficiency Ratio - GAAP Merger-related and other charges Efficiency Ratio - Operating, excluding PPP fees and MSR marks 62.12 % 57.43 % 56.58 % 48.41 % 47.95 % (5.64) (4.34) (3.35) (0.75) (0.60) 56.48 % 53.09 % 53.23 % 47.66 % 47.35 % Tangible common equity to tangible assets Equity to assets ratio - GAAP Effect of goodwill and other intangibles Effect of preferred equity Tangible common equity to tangible assets ratio 10.61 % 11.06 % 10.95 % 11.12 % 11.25 % (2.06) (2.94) (2.96) (3.01) (2.97) (0.46) (0.40) (0.40) (0.41) (0.40) 8.09 % 7.72 % 7.59 % 7.70 % 7.88 % 25 U UNITED
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